MAS Financial Services Ltd.

Financial

	MAS Financial Serv	Indostar Capital Fin	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	6.8 %	5.6 %	6.5 %
Fresh Slippages - Quarterly	41.31 Crs	n/a	n/a
NBFC
Cost of Borrowing	9.8 %	11.3 %	n/a
AUM - NBFC	12504.6 Crs	11053.0 Crs	5230.2 Crs
Capital to Risks Assets Ratio (CRAR)	25.22 %	28.5 %	39.5 %
Tier I Capital	23.19 %	28.87 %	30.4 %
Gross NPA	2.49 %	4.52 %	0.85 %
Net NPA	1.63 %	2.46 %	0.68 %
Financials
5 yr Average ROE	13.69 %	-6.44 %	8.6 %
5yr average Equity Multiplier	5.11	3.16	2.93
5yr Average Asset Turnover Ratio	0.12	0.13	0.15
5yr Avg Net Profit Margin	22.01 %	-14.58 %	19.67 %
5yr Avg Net Profit Margin	22.01 %	-14.58 %	19.67 %
5yr CAGR Net Profit	8.44 %	n/a	27.02 %
5yr CAGR Sales	12.62 %	-1.04 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.12	1.06	1.79
P/E	17.05	31.96	13.37
Shareholdings
Promoter Holding	66.63 %	72.98 %	48.21 %
Share Pledged by Promoters	0.0	0.0	26.18 %
Change in Promoter Holding (3 Yrs)	-7.08 %	-16.23 %	4.05 %
Change in Mutual Fund Holding (3 Yrs)	4.65 %	0.0	0.26 %

Business

	MAS Financial Serv	Indostar Capital Fin	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.44 Gain On Assignment Of Financial Assets 9.58 Fees and Commission Income 6.53 0 0 0 Interest on loans - Loan portfolio 0 Financing activities (NBFC) 0 Others 0.45	Product Wise Break-Up Net gain on fair value changes 2.69 Interest Income 0 Financing activities (NBFC) 0 0 0 Gain On Assignment Of Financial Assets 0 Fees and Commission Income 6.37 Interest Income 85.46 Others 5.48	Product Wise Break-Up 0 Interest Income 0 NBFC 100.0 0 0 Gain On Assignment Of Financial Assets 0 Fees and Commission Income 0 Interest on loans - Loan portfolio 0
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 40.1 Small & Medium Enterprises (SME) loans 36.2 Salaried Personal Loans 9.0 Commercial Vehicle Loans 7.7 2 Wheeler Loans 7.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Consumer Finance 100.0 Corporate 0 Retail 0	Customer Segment Consumer Finance 0 Retail 1.0 Corporate 99.0	-
AUM Break-Up	AUM Break-Up On Book 72.73 Off Book 27.27	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 51.62 Direct Assignment (incl. co-lending) 21.16 Non-Convertible Debentures 14.43 Loan From Banks 10.08 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0 Loans repayable on demand 0 Loans from related parties 0 Others 2.71	Borrowings Break-Up Banking 28.0 NCD 47.0 Loans from related parties 0 Direct Assignment (incl. co-lending) 0 Non-Convertible Debentures 0 Loan From Banks 0 Securitisation 17.0 Equity 0 CPs 0 Loans repayable on demand 0 0 Others 8.0	Borrowings Break-Up Banks 0 NCD 0 Loans from related parties 0 Direct Assignment (incl. co-lending) 0 Non-Convertible Debentures 0 Loan From Banks 0 Securitisation 0 Equity 0 CPs 0 Loans repayable on demand from banks 37.82 0 Others 62.18

MAS Financial Services Ltd.

MAS Financial Services Ltd.

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